ACH Still Beats Blockchain for Domestic B2B Payouts, Here Is Why

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For developers building B2B payment systems, choosing the right payment rail—ACH, RTP, or blockchain stablecoins—has major practical consequences. ACH remains the dominant choice for domestic US transfers, processing over 25 billion transactions annually at $0.25–$1.50 each, with federal oversight by the Federal Reserve and Nacha ensuring consistent rules nationwide. Unlike blockchain transfers, ACH payments are reversible within a set window, a feature that regulators and merchants strongly prefer for dispute resolution. Stablecoins offer near-instant settlement and minimal fees but come with hurdles including licensing requirements, irreversibility, complex tax reporting, and the need for recipients to hold crypto wallets. Experts recommend defaulting to ACH for domestic payouts, offering RTP as a faster opt-in option, and treating stablecoins as a separate product suited mainly for international transfers or crypto-native users.

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